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15 Home Based Jobs – Work from Home and earn Rs.25000 per month

Shitanshu Kapadia
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15 Home Based Jobs – Work from Home and earn Rs.25000 per month

Home based jobs are jobs where you can work from home. You can earn nearly Rs.25000 per month via WFH (Work From Home) home-based jobs.

WFH has become part of our life. Many people across the world have adopted work from home. WFH offers flexibility and work-life balance. It also cut down commuting costs and offers freedom to work in a comfortable environment.

There are two types of work from home or home-based jobs (1) Online and (2) Offline. Online jobs are preferable compared to offline jobs. To start home-based online job you just need an internet connection and information about genuine websites.

If you are ready to do Home Based Jobs and looking for online and offline job options, here are 15 Home based jobs that can be started without investing.

Home Based Jobs

15 Home Based Jobs – Work From Home

Home Based Jobs Online

#1 GPT Jobs & PTC form Home

The first best home based jobs are GPT jobs. GPT means Get Paid to click. In these types of jobs, you will be paid money for clicking on ads.

Although many sites claim to pay money for clicking on ads but all sites are not genuine you have to be careful in making a selection on site. You can earn a lot of money from GTP jobs.

All GPT and PTC sites are free and you need not invest at all. The payout for this type of job is low. You need to invest a lot of time to get better earnings.

Few genuine GPT or PTC sites are YSense, Neobux, and Paidverts.

#2 Captcha Solver

Captcha Solver is among one of the easiest home-based jobs. In this job, you need to solve the captcha and you will be paid money.

Captcha is a combination of image, text, and extra character. You need to type the text given on-screen as a captcha solver.

You need to be very fast to solve the captcha. Few genuine home-based captcha solver sites are Mega Typers, Pro Typers etc. You can earn approximately $2 for solving 1000 captchas.

#3 Online Survey Based jobs from Home

If you love to give your opinion about products and services online survey-based jobs are for you. In this job, you need to complete an online survey. You will be paid money for every survey.

You can earn $1 to $10 based on the length of the survey. The few best survey-based sites are YSense, Swagbucks, Neobux, etc.

#4 Blogging

Blogging is among one of the best home based jobs or business ideas. It is among one of my favorite ideas. In blogging, you need to make a blog and share information about various topics.

Once your blog gets popular you can apply for the Google Adsense program for advertising. You will be paid for keeping advertisements on your blog. You can earn a lot of money via blogging.

It is recommended to use WordPress and a good hosting platform for your blog. You can earn more than $1000-$2000 every month from blogging.

40 Part Time Jobs from Home Online & Offline – No Investment

#5 Youtube Channel

My next home-based job or business idea is starting a Youtube Channel. In this job, you need to start your channel on youtube. You need to post unique videos on your channel. You can apply for the youtube channel program once your channel cross popularity and the minimum requirement for applying. This program allows you to monetize your videos.

You can earn more than $500 per month using Vlogging or Youtube Channel.

#6 Affiliate Marketing

If you are hardworking and serious about earning money online affiliate marketing is for you. You can earn big money using affiliate marketing. However, you need to spend a lot of time on the internet to earn big money.

There are hundreds of online merchants like Amazon, Flipkart, eBay, Clickbank, CJ, etc. where you can signup & promote their products.

In affiliate marketing, you are simply helping customers to buy the right product by creating a simple website & in return, you can earn 4% to 10% commission.

#7 Working as Virtual Assistant from Home

A Virtual Assistant is like a personal assistant that completes the jobs online without physical presence. Few tasks that are expected from virtual assistants are taking care of websites, checking emails, writing & proofreading, publishing content, marketing, coding, website & app development, and research.

Many genuine websites offer virtual assistant jobs online. A few examples are HireMyMom, MyTasker, uAssistMe, etc.

#8 Freelancer

Freelancer is the next best home-based job after blogging and affiliate marketing. You can earn lot of money as a freelancer. You can work with small and big companies temporarily for the completion of projects.

Freelancer jobs are like designing websites, providing SEO services, data entry services, content writing, graphics designing, etc.

You can earn $500 to $800 per month as a freelancer. As per me, the best freelancer sites are UpWork, Freelancer.in, WorkNHire, etc.

Home Based Jobs Offline

#9 Data Entry Jobs – Online and Offline

Data Entry jobs can be done online or offline. In this job, you need to perform data entry online. You need to spend a lot of time doing data entry work. You can find data entry jobs online on indeed, Naukri and shine site.

Data entry is an easy job but earning in a data entry job is very low.

#10 Insurance Agent

One of the best offline home-based job is as an insurance agent. You can become an insurance agent without any investment. In this job/business you need to sell insurance policies. You will get a commission on every policy sale.

It is difficult to sell insurance policies. If you have the skills and expertise to convince people you can opt for becoming an insurance agent. If you are a beginner, I would advise you to become an LIC agent.

#11 Home Tuition

If you are educated and looking for good part-time offline home-based jobs you can think of starting home tuition. You need small space and small investment to start tuition. You need to spend a lot of time and money on marketing for home tuition.

#12 Real Estate Agent 

My next home based job is as a real estate agent. In this job or business, you need to help buyers and sellers with selling and renting properties. As a real estate agent, you can earn a lot of money. This job does not require any investment. You just information about properties available for sale and rent.

#13 Beauty Parlour Job

If you are a woman and looking for home-based job you can think of starting your beauty parlor. Ladies are fond of beauty parlors and hence your chance of getting success in a beauty parlor is very high. You need to take special training or do a course before starting a beauty parlor.

#14 Home Networker 

Home Networker or MLM is next home-based job. In MLM job/business you can earn lot of money. You need good communication skills and convincing power for this job. You need to be careful in selecting an MLM Company for network marketing.

#15 Food Delivery Service 

Food Delivery Service is last in the list of 15 Home-based jobs. In this business, you need to deliver food at doorstep of the customer. You can either start an online portal for taking food delivery orders or you can make home-based food and deliver it. This job requires a lot of dedication and hard work.

 Conclusion

Working from home is no longer a dream—it’s a reality for thousands of people. Whether you choose to freelance, tutor, or run an online store, earning Rs. 25,000 per month is entirely possible. The key is to pick something you enjoy and stay consistent. So, what are you waiting for? Pick your home-based job today and start earning!

FAQs

1. Are home-based jobs legitimate?

Yes! Many companies and freelancers successfully work from home. Always verify opportunities to avoid scams.

2. Can I start these jobs without experience?

Absolutely! Many jobs, like data entry or surveys, require no prior experience.

3. How can I avoid scams?

Only work with reputable platforms, never pay to get a job, and verify client reviews.

4. How soon can I start making money?

It depends on the job. Freelancing and tutoring can earn you money in weeks, while blogging and YouTube take longer.

5. What’s the best job for beginners?

Freelance writing, data entry, and virtual assistance are great starting points.

6. Do I need a high-end computer for these jobs?

Not necessarily! A basic laptop and internet connection are enough for most remote jobs.

7. How can I increase my earnings?

Upskill with courses, take on multiple gigs, and build a strong portfolio.

8. Can I do these jobs part-time?

Yes! Many home-based jobs offer flexible schedules.

9. Do I need to register a business to work from home?

No, unless you plan to scale your work significantly.

10. Is work-from-home sustainable?

Yes! Many people have made it their full-time career with steady income streams.

How to close SBI Fixed Deposit Online?

Shitanshu Kapadia
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2
How to close SBI Fixed Deposit Online?

Making a fixed deposit in SBI is one of the safe investment option compared to mutual funds and shares. If you have invested in a fixed deposit at SBI this post if for you. In this post, I will share information about how to close SBI Fixed deposit online?

It is advisable to close fixed deposit in SBI only at the time of Maturity to avoid the extra charges. However, if you are in need of money and you want to go for closure of  fixed deposit follow the method given below.

Steps Close Fixed Deposit in SBI Online through Internet Banking 

close fixed deposit online

  • Click on “Close account prematurely” option under ETDR / STDR (FD) section.
  • Select fixed deposit you want to close and click on “proceed”
  • Verify fixed deposit detail. Write reasons for closing and click on ‘confirm’
  • You will receive “High-Security Password” on your registered mobile. Type it and click on ‘Confirm’

password closure sbi fd

  • On the screen, you will be able to see that your FD has been closed.
  • Check your bank account it will be credited with FD amount.
  • This facility is available between 08:00 AM IST to 08:00 PM IST.

close fixed deposit online sbi

Steps Close Fixed Deposit in SBI by Branch Visit

Second way for closure of fixed deposit in SBI is by personally visiting SBI Branch.

  • Visit SBI branch to close your fixed deposit account.
  • You need to visit branch from where you have taken a fixed deposit.
  • Don’t forget to carry fixed deposit receipt with you.
  • Mention your account number and sign at the backside of FD receipt.
  • Submit the fixed deposit receipt to the executive.
  • Executive will calculate exact maturity amount and close your fixed deposit.
  • The FD amount will be credited to the account mentioned by you.

This is the complete process to close FD of SBI bank.

It is very easy to close FD at SBI bank. You can adopt any method online or offline based on your comfort. If you have net banking account I recommend the use of online method.  You can close fixed deposit online with a click of the button. However, you may also visit a branch to close your Fixed deposit.

Should you opt for fixed deposit closure before maturity?

You have option to close fixed deposit before maturity or on maturity. Both these options are available online as well as offline. However, you should close fixed deposit only at the time of maturity. If you are in need of money due to financial issues you can go for premature closure of fixed deposit.

If you close FD prematurely, you will end up losing compound interest you could have earned. You also need to pay penalty on interest. The penalty varies and applicable as per bank rules. SBI Charges a penalty of 0.5% for premature withdrawal of FD up to 5 Lakh. The applicable penalty is 1% for premature withdrawal of FD up above 5 Lakh.

EMI Moratorium Cost Implication – Home Loan & Credit Card

Shitanshu Kapadia
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0
EMI Moratorium Cost Implication – Home Loan & Credit Card

EMI Moratorium is announced by RBI as a regulatory package against COVID-19. As per RBI circular, all term loans including retail, agriculture and crop loans taken from commercial banks, co-operative banks, and NFBC are permitted to grant 3 months of EMI Moratorium between March 1, 2020, to May 31, 2020. Additionally, credit card dues are also included in these benefits.

EMI Moratorium

This means if you opt for moratorium you will be allowed to defer your EMI payments and credit card dues up to 3 months. In the first instance, it seems to be a very good option to take EMI Moratorium facility as you need to pay EMI for 3 months. However, this option comes with a big flip side. As per circular, interest amount shall continue to accrue on the outstanding portion of the term loans during the moratorium period. Let’s try to understand this in detail and get answers to your queries about cost implications and other terms.

EMI Moratorium Cost Implication – Home Loan & Credit Card

This facility is permitted to following payments.

  • EMI of Loans including principal and interest component.
  • Credit Card Dues
  • Overdraft Dues

Who is eligible for this facility?

This facility is extended to all customers who have taken a loan or used a credit card facility before 1st March 2020. This facility is also applicable to overdraft dues. Individuals as well as corporate and SME customer are eligible for this facility. If you have more than one loan (e.g home loan, car loan, personal loan) you can get this facility on all loans.

Also Read – Home Loan EMI Calculator Prepayment and Closure

Cost Implication of EMI Moratorium

In case you opt for this facility due to the financial crisis, you are not required to pay EMI for three months but the interest amount is applicable for these three months also. The probable cost implication via EMI Moratorium on loan is explained below along with an example.

Home Loan –

Let’s take an example that you have recently taken a home loan of 30 Lakh with an interest rate of 8% and an applicable EMI of Rs.28670. The loan tenure is 15 Years. If you opt for EMI deferment of 3 months, you will end up paying additional interest for these three months as well as additional interest on the principal.

You must be thinking 3 months’ interest is very small but if you calculate it in the above case, it will cost you 2.58 Lakh. You will end up paying 9 additional EMI in lieu of 3 months’ deferment. In short, your loan will be impacted in the following manner.

  • The Additional Interest payment is applicable – In above case 2.58 Lakh
  • Option -1 – Loan tenure extension up to 9 months.
  • Option -2 – Increase the monthly EMI if you don’t want to extend loan tenure

Note – The above calculation is considering fact that your EMI amount remains the same throughout loan tenure and you will not do any prepayment. This calculation will differ based on the remaining loan amount interest rate and tenure.

Credit Card –

Credit card due deferment is boon for many as they can purchase household items which are required during this period. RBI has not issued any guidelines for late fees and penalties applicable on a credit card due. You need to contact your bank/credit card company for a late fee and applicable penalty. Some banks may ask for a minimum amount due payment to waive off the penalty.

Suppose, your credit card due is Rs.50000 and you don’t want to pay this due for 3 months due to financial problems. You need to pay additional interest for the 3 months. Suppose interest is 3% per month you need to pay an additional Rs.4636 as interest amount. On this interest amount, you also need to pay 18% GST. In short, your credit card dues will be impacted in the following manner.

  • You won’t enjoy any interest-free credit period. Interest is applicable from day 1 of purchase.
  • The interest in future purchases during this time period will be calculated from day 1 of purchase.
  • You may need to pay an additional penalty.
  • 18% GST is applicable on the interest amount.

So, if you don’t have cash flow problem during lock down it is better to avoid any deferment in EMI or credit card dues.

How to Apply for EMI deferment facility?

The facility of opting for EMI deferment is very easy. You need to provide consent and mandate extension form to your bank. Three leading banks SBI, ICICI and HDFC have given the following facilities to the customers.

SBI – You need to send an e-mail with an application to the bank. The e-mail list is available at the SBI website. The list is state wise/circle wise. You need to attach an application form for the deferment of recovery installment EMI. This form is available at the SBI website.

ICICI – ICICI Bank has taken up the approach of Opt-in or Opt-out. This means you need to select an option for deferment or continuation of your EMI. You can use SMS, E-mail or online facility available at the ICICI bank website to avail of this facility.

HDFC –  HDFC Bank allows you to apply for this facility by tele calling facility. You can also submit the request online by visiting the bank website.

The method of application differs from bank to bank. You need to get in touch with bank where you have taken loan.

What to do if I don’t want to apply for this facility?

If you don’t want to use this facility, no action is required from your end. Bank will continue to deduct EMI from your account. However, few banks have decided to have Opt-in or Opt-out facility where selection is required from your end for using this facility.

What to do If I have already paid EMI for this months and wants to take EMI deferment for next month?

You can opt for EMI deferment from next month if you have already paid EMI for the current month. You need to follow the same process. However, the facility will be extended to you from next month.

Can I get refund of already paid EMI?

Few bank have announced facility to get refund of already paid EMI. You need to inform to bank in order to get refund of already paid EMI. Bank will process the request and refund the EMI.

How to get moratorium facility on Credit Card Dues?

To avail facility of credit card moratorium you need to voluntarily defer paying credit card dues during this period. Additionally, turn off Auto Pay facility activated for credit card dues. You can make use of net banking or mobile banking to do so. The bank will consider that you want to avail moratorium facility on credit card. Once period of moratorium is over you need to activate Auto Pay and clear all credit card dues.

What happens to my Credit Score in case I opt for this facility?

Your credit score will not get impacted in case you opt for this facility.

Conclusion –

The EMI Moratorium is EMI delay or postponement and not waive off facility. You have to clear your pending dues after moratorium period. As interest is applicable and you are not making EMI payment you need to pay additional interest for the deferred period also. So overall it is bad deal for you and you should preferably avoid it.

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